The fact that this was a rollover doesn't seem particularly relevant? I must be missing something. Imagine I write a check and send it to a friend, but a thief

The fact that this was a rollover doesn't seem particularly relevant? I must be missing something. Imagine I write a check and send it to a friend, but a thief intercepts it and cashes it. First, this is fraud, meaning a criminal matter to be referred to the police. Surely the bank has records of exactly who cashed the check, and it would be trivial to file charges against the offender? Secondly, the bank's inability to correctly authenticate the person cashing the check surely puts the financial responsibility on the bank, not the owner of the account? What happens with check fraud normally? If someone writes a fake check and successfully withdraws money, isn't the bank liable?